Privacy Policy

  Effective Date: July 13, 2026

CCF Capital ("CCF Capital," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect the information you provide when you visit www.ccfcapital.com, submit an inquiry, apply for a loan, or otherwise interact with us.

By using our website or services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

Personal Information

Information you voluntarily provide, including:

• Name
• Address
• Email      address
• Telephone      number
• Date      of birth
• Employment      information
• Financial      information
• Property      information
• Information      provided during the mortgage application process
• Any      documents you choose to upload

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

• IP      address
• Browser      type
• Device      information
• Operating      system
• Pages      visited
• Date      and time of your visit
• Referral      website
• Cookies      and similar technologies

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries.
• Process and manage mortgage applications.
• Verify the information you provide.
• Communicate regarding your loan application, loan processing,      account updates, appointments, document requests, closing information, and      customer support.
• Improve our website and services.
• Detect fraud and maintain the security of our systems.
• Comply with applicable legal and regulatory requirements.

3. Sharing of Information

We do not sell or rent your personal information.

We may share your information only as necessary to:

• Process your mortgage application.
• Work with lenders, investors, title companies, appraisal management      companies, settlement agents, insurance providers, credit reporting      agencies, and other parties involved in your loan transaction.
• Work with trusted service providers that assist us in operating our      business and website.
• Comply with applicable laws, regulations, court orders, or legal      requests.
• Protect our legal rights, prevent fraud, or safeguard our business.
• Facilitate a merger, acquisition, or sale of business assets, where      permitted by law.

All third parties receiving personal information are expected to maintain appropriate safeguards for that information.

4. SMS Communications

If you choose to receive SMS messages from CCF Capital, we may send text messages regarding:

• Mortgage application updates
• Loan processing
• Appointment reminders
• Document requests
• Closing information
• Customer service
• Other service-related communications regarding your loan or account

Message frequency varies.

Message and data rates may apply.

You may opt out at any time by replying STOP to any text message.

For assistance, reply HELP or contact us directly.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

5. Cookies and Analytics

Our website may use cookies, analytics services, and similar technologies to improve website functionality, understand visitor behavior, and enhance user experience.

You may disable cookies through your browser settings, although certain features of the website may not function properly.

6. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction.

Although we strive to protect your information, no method of electronic transmission or storage can be guaranteed to be completely secure.

7. Data Retention

We retain personal information only as long as necessary to:

• Provide      requested services
• Process      mortgage applications
• Meet      legal and regulatory requirements
• Resolve      disputes
• Enforce      our agreements

8. Your Choices

You may:

• Request      access to your personal information where permitted by law.
• Request      correction of inaccurate information.
• Request      deletion of information when legally permissible.
• Opt      out of marketing emails by using the unsubscribe link included in those      communications.
• Opt      out of SMS communications by replying STOP.

Please note that we may continue to send transactional or legally required communications regarding your loan or account.

9. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes become effective upon posting the revised Policy on this website. The Effective Date at the top of this page will indicate the latest revision.

12. Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, please contact us:

CCF Capital

20 Robert Pitt Drive

Monsey, NY 10952

Phone: (845) 618-5600

Email: info@ccfcapital.com